finance Archives - Tammie's Take~

Gaming Sites That I Love Learning From

Reviews · September 16, 2023

My mother always said that computers are for learning. Of course that was when the computers first came out for the average person. Now they can do so much more and I am learning that everyday. From paying bills to checking out websites to playing games and more.

Everyone who knows me knows that I love playing games Online. Usually I love playing Hidden Object but I found 2 wonderful games that I not only learn from but I also have a great time playing. Learning from games is not only educational but it makes learning fun.

1 of the 2 games I found that I love learning from is called Coding Panda. It is a game that allows you to –

Look at the grid to see where the panda is, where the bamboo is, and any obstacles in between.
Drag movements from the left side into the chain to direct the panda to move in the correct direction.
Repeat the process until you have created the entire path, then click the red start button to execute your code.
As you advance through the game you unlock additional movement types.
Jump over bushes or any other tiles in any direction, placing your landing 2 or 3 squares from the quare you jumped.
Use the move repeat button to select how many times to move in a direction or in multiple directions as part of a single repeated move.

You will not be sorry if you play this game as it is super fun and you really learn from it.

Another game that I found is called Rubi’s Coding Class. This game allows you to

Observe the robot start direction at the bottom of the screen and the robot’s power. The initial direction shows you the path upon which you should lay movement tiles to redirect the robot & the power value shows the maximum number of squares the robot can move.
Move the pieces from the lower right into the level.
When you have completed laying directional pieces click the green and white play button to run the routine.
As your code routine runs the robot will move and the code associated with the piece placements will appear on the right side of the screen.
If you make a mistake there are stop routine and retstart level buttons underneath the play routine button.
The lower left corner of the game has a tap button to bring up the level select screen if you would like to replay a level, but each of the 32 levels must be beaten in sequential order to unlock subsequent levels.

I never thought learning could be eo much fun. You really need to try all the games this site offers. although this site primarily has to do with money and finance, It has a wonderful gaming page that you need to try. These games can be hard but it really makes you think.

Tips for Financing Your Next Home Improvement Project

Reviews · April 13, 2019

With the average cost of a home improvement project exceeding $30,000, finding the best finance option is vital. Before you start looking at the different options, your first step is to determine how much you need. Whether you’re hiring a contractor or doing the work yourself, you need to sit down and plan the project in full. Once you’ve calculated how much it will cost, you should add extra for contingencies and any project upgrades you might need. With a final figure, you’re now able to narrow down your finance options.

Refinancing Your Mortgage

This option is the most common way to finance home improvements. As well as providing money for your project, it can also result in a lower mortgage interest rate. Start by asking your current mortgage lender whether they’re prepared to offer you a deal and then check out a few more lenders to compare with. Your aim should be to find an agreement with lower interest rates and monthly repayments.

Home Equity Loan/Home Equity Line of Credit

If you don’t want to refinance your mortgage, there is the option of taking out a second home loan. You’re given a lump sum upfront and have to pay it off in a certain amount of time, often 15 or 30 years. To choose the best loan, you need to look closely at the different interest rates being offered. You also need to be sure of the cost of your project. There is help available online. For example, if you want to install homeowner solar panels, Going Solar can provide information on the cost.

A home equity line of credit is a popular alternative to a loan. Rather than being given a lump sum, your lender gives you an active line of credit, up to a certain amount. Interest rates are variable, so you need to read the terms and conditions very carefully. There’s also the risk of overspending, so you need to keep a close eye on what you’re spending.

Personal Loan

A personal loan isn’t tied to the equity in your home, and you generally have two choices; a secured or an unsecured loan. Unsecured loans are more popular and, depending on your credit history, you could borrow anything between $1,000 and $50,000. If your credit score is good, you’ll be offered a preferential interest rate and a higher amount you can borrow. With a secured loan, you’ll have to offer collateral such as stocks, bonds, or your car.

Credit Cards

If your improvement project is on the small side, you could choose to cover the cost using your credit card. However, a word of caution is necessary. Remember that credit cards usually have a higher rate of interest than a loan, and late payments could cost extra money. If you decide to go with this option, aim to pay the full amount at the end of each month.

Construction/Renovation Loan

A few lenders only offer this type of loan, but it is designed specifically with home improvement projects in mind. It’s an option worth considering because funds can be released in full or in stages as your home improvement project progresses.

B/C Loan

This type of loan is designed for those with a poor credit rating. The downside, however, is that B/C loans generally have higher interest rates and costs. Before taking out this type of loan, make sure you’re able to meet the repayments, or you risk your credit score getting worse. You also need to read the terms and conditions very carefully and be sure of the amount of the monthly repayments.